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Ruby55p

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When does derogatory acct fall if your credit?
I have a derogatory acct that u got back in 2009. But since then i disputed it back in 2013 will i have to wait another 7years starting from 2013 before it falls off? It has already fallen off 2 credit bureaus but not experian. Im trying t buy a house and this is the only thing holding me back.

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the 7 years is effective on the date it was reported by the credtor.  The dispute has no bearying.   Write to Experian in the form of a dispute and request it be removed.

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